Investing in a New Jersey home warranty can provide peace of mind to homeowners and ensure that if a system or appliance were to fail or break down from regular use, it’d be covered. Not to mention, a home warranty can save homeowners the time and money of trying to find a trusted technician to complete the necessary repairs.
Because finding a home warranty plan that fits your needs can be just as much of a hassle as managing home repairs on a system or appliance, the This Old House Review team has reviewed the best home warranty companies in New Jersey to make your search easier.
New Jersey’s Top 7 Home Warranty Companies
The highest rated home warranty companies in NJ include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- Priority Home Warranty: Best for Choosing Your Own Contractor
- Cinch Home Services: Best Additional Perks
- AFC Home Club: Best for Customization
American Home Shield
We believe American Home Shield (AHS) is the best home warranty for New Jersey homeowners. With nearly 50 years of industry experience and has served more than 1.8 million customers across the United States. It’s accredited with the Better Business Bureau and has a solid B rating.
Plans and Pricing of American Home Shield
AHS offers three coverage plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™. Among the three, you can find extensive coverage for major household systems, or appliances and systems.
American Home Shield plans cost between $40–$58 per month for NJ homeowners. The company allows you to select a service fee of $75, $100, or $125, giving flexibility to customers who are on a budget.
Here are just a few American Home Shield benefits:
- Customer service available 24 hours a day, seven days a week
- No limit on the number of repairs during the contract period
- No home inspection needed to start coverage
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) is an established provider and has over 10 years of experience in the home warranty industry. It’s known for providing straightforward coverage at affordable prices.
Plans and Pricing of Choice Home Warranty
Choice Home Warranty offers two plans—the Basic Plan and the Total Plan—at an average cost of $37–$44 per month. The Basic Plan provides comprehensive coverage on major systems and appliances, while the Total Plan covers everything under the Basic Plan in addition to your air conditioning systems, washer, dryer, and refrigerator.
Note: Choice Home Warranty charges a service fee between $60–$85 for repairs and replacements.
A plan with Choice Home Warranty includes the following benefits:
- After-hours service
- Guaranteed response time within 48 hours of receiving a claim
- 90-day repair guarantee
Learn more: Choice Home Warranty Review
Liberty Home Guard
Liberty Home Guard was founded in 2017, but the company has a few unique offerings that make it stand out among older competitors. These include a built-in live chat feature on its website, 24-hour claim response time, optional pest control coverage, and a whopping 30 add-on coverage options—the most add-ons of any provider on this list.
Plans and Pricing of Liberty Home Guard
Liberty Home Guard offers three plans, including systems-exclusive, appliance-exclusive, and comprehensive plans. Liberty’s plans range from $65 to $75 in monthly fees. The standard service fee is $80, but customers may be eligible for discounted service fees on multi-year plans.
Here are a few benefits of Liberty Home Guard:
- 60-day workmanship guarantee
- Built-in live chat feature on their website
- 30 add-on coverage options
Learn more: Liberty Home Guard Review
Select Home Warranty
All three of Select Home Warranty’s plans cost less than $50 per month with roof-leak coverage included free in every plan, which is a rare perk in the industry. Select is a solid option for budget-conscious homeowners.
Plans and Pricing of Select Home Warranty
Select Home Warranty plans cost between $41 and $47. The Bronze Care plan covers eight essential home appliances, including your laundry machines and refrigerator. The Gold Care package covers six built-in home systems such as your air conditioning, heating, and ductwork. Roof-leak coverage is offered with every plan—an estimated $99 value. Select’s service call fee is $75.
Here are just a few Select Home Warranty benefits:
- All plans are under $50
- 90-day workmanship guarantee
- Roof leak coverage with every plan
Learn more: Select Home Warranty Review
Priority Home Warranty
Priority Home Warranty is another excellent option for New Jersey homeowners. It offers three affordable plans, a lower-than-average service call fee, live claims tracking, and the option to choose your own contractor. While many home warranty companies offer the option to choose your own contractor with prior approval, Priority Home Warranty doesn’t require advance notice. It will reimburse homeowners as long as your contractor is insured and bonded.
Plans and Pricing of Priority Home Warranty
Priority Home Warranty offers three plan options. Like other companies on this list, it offers a systems plan, an appliance plan, and a more comprehensive combination package. The systems-exclusive and appliance-exclusive plans are $33 monthly, while the Total Home Care package is $47.
Here are just a few benefits of Priority Home Warranty:
- Workmanship guarantee that lasts the entire length of the plan
- $70 service call fee, which is slightly less than the industry average
- Reimbursement when you choose to work with your own contractor
Learn more: Priority Home Warranty Review
Cinch Home Services
Cinch Home Services is an impressive home warranty provider that offers coverage on up to 28 home systems and appliances with its three comprehensive plans. It stands out among competitors for offering additional perks, such as a free water sensor, a $25 credit for air or water filters, and a $500 reimbursement for your homeowners insurance deductible with the Complete Home Plan.
Plans and Pricing of Cinch Home Services
Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. Cinch allows customers to choose a service call fee from $100, $125, or $150, and the monthly plan pricing varies depending on your service fee choice. However, plans usually fall between $56 and $82 per month based on the quotes we received in New Jersey.
The Appliances Plan covers 12 kitchen and laundry appliances, such as your refrigerator, oven, range, clothes washer, and dryer. The Built-in Systems Plan covers 16 major systems, including your heating, cooling, electrical system, toilets, sump pump, smoke detectors, and plumbing. The Complete Home Plan covers all 28 items plus up to $500 for a reimbursement on a homeowners insurance deductible you may have to pay your insurer during your contract.
Here are a few other benefits of Cinch Home Services:
- Provides a 180-day workmanship guarantee
- Has an Optional Premier Upgrade Package that covers up to $2,000 for permits, code violations, disposal costs, and other items
- Covers up to two HVAC units and appliances
Learn more: Cinch Home Services Review
AFC Home Club
If you’re looking for the best plan customization, AFC Home Club is a great option since it offers four different plans, three service call fees, and three-year contract options.
Plans and Pricing of AFC Home Club
AFC Home Club offers four plans with prices ranging from $30–$50 per month depending on your preferred service call fee of $75, $100, or $125. You can save money by paying yearly or signing up for a three-year contract with payments split between 20 months.
AFC Home Club’s Systems Plan covers your heating, cooling, plumbing, electrical system, and water heater. The Silver Plan covers appliances, such as a clothes washer, dryer, and refrigerator. The Gold Plan covers a combination of all 15 items in the Silver and Systems Plans, and the Platinum Plan extends coverage to plumbing stoppages, faucets, ice makers, and built-in microwaves.
Below are a few additional benefits offered by AFC Home Club:
- Has a workmanship guarantee that lasts for the lifetime of the plan (up to three years)
- Memberships include benefits, such as home security discounts and free credit monitoring
- Doesn’t require a coverage waiting period with a valid home inspection
Learn more: AFC Home Club Review
Whether you’re a New Jersey homeowner, real estate agent, home seller, or first-time home buyer, you can find peace of mind with a home warranty protection from any of the companies listed in this review. We recommend getting quotes from all home warranty companies listed so that you can compare prices and benefits before purchasing a plan.
Frequently Asked Questions About New Jersey Home Warranties
What is the New Jersey New Home Warranty and Builders’ Registration Act?
This act created a system to protect new home buyers by requiring builders to provide a warranty on their home. Through the warranty, the new home is protected from major structural defects for 10 years. For two years, the home is protected from defects in the air conditioning, heating, plumbing, and electrical systems. For one year, workmanship or material defects are covered.
Who pays for home warranty?
The homeowner pays a monthly or annual premium, which usually costs between $300–$600 a year, and a service call fee that typically costs between $75–$125 (this is paid any time a claim is filed). One thing to keep in mind is that home warranty plans have coverage caps laid out in the fine print of the contract for how much the provider is willing to cover for a given repair. If the repair costs more than the coverage cap, the homeowner must pay the remaining amount.
Do home warranties cover electrical issues?
Home warranty companies usually have at least one plan that covers major systems in your home, including your electrical system. As long as the electrical issue arises due to normal wear and tear, it will be covered under the plan.
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